1045 Spindale St, Spindale, NC 28160 Property Records

Rutherford County property record for 1045 Spindale St, Spindale, NC 28160

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 896 sqft · built 1962
Lot Size	9.6 acres (418,176 sqft)
Owner	Individual Name on Record
Last Sale	$189,000 (Sep 2025)
Tax Bill	$1,334 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Aug 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1646230`

Property Details

APN / Parcel Number

Primary APN	`1646230`
Alternative APN	`52799`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	896 sqft Heated Area
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1965
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	418,176 sqft (9.6 acres)
Garage Area	1,272 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump

Location & Zoning

Account Number	52799
Street Address	1045 SPINDALE ST
City	SPINDALE
State	NC
Zip	28160-1723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	G A TROUT FARM LO:4 PL:2-82
Legal Subdivision	G A TROUT SUB
Legal Block	1
Legal Lot Number	4
Jurisdiction	RUTHERFORD NC
Township / Civil Division	RUTHERFORDTON
Census Block Group	1
Census Block	1011
Census Tract	960600

Owner

Source: Rutherford County records, as of October 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1850 PINEY KNOB RD, RUTHERFORDTON, NC 28139-8530
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Aug 19, 2021	Warranty Deed, Transfer
May 29, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2025 · Amount on Record
Deed Sale	Sep 23, 2025 · Amount on Record
Prior Sale	Aug 19, 2021
Deed Document Number	0020952797
Deed Book / Page	2095 / 2797
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Sep 23, 2025
Property Address	1045 SPINDALE ST, SPINDALE, NC 28160-1723
Document Number	0020952797
Book / Page	2095 / 2797
Map Reference	MB 46 PG 306
Instrument Date	Sep 22, 2025
Transaction Type	Transfer
Record Updated	Oct 9, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$378.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1045 SPINDALE ST, SPINDALE, NC 28160-1723

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PINEY KNOB RD, RUTHERFORDTON, NC 28139-8530
Investor	Possibly a Property Investor

Mortgage

Document Number	0020952800
Date	Sep 23, 2025
Instrument	2095/2800

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.02%
Type Change Date	Oct 1, 2030
Change Frequency	5 Years
Min Rate At Change	4.02%
Max Rate At Change	8.02%
Index	5-Year TN
Max Rate	12%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	Aug 19, 2021
Property Address	1045 SPINDALE ST, SPINDALE, NC 28160-1723
Document Number	0020501488
Book / Page	2050 / 1488
Map Reference	MB 2 PG 82
Instrument Date	Aug 2, 2021
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	222 SHANE DR, 222, MOUNT HOLLY, NC 28120-9404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1605 CONRAD SAWMILL RD, LEWISVILLE, NC 27023-9552

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RUTHERFORD NC
Recording Date	May 29, 2019
Property Address	1045 SPINDALE ST, SPINDALE, NC 28160-1723
Document Number	0020223318
Book / Page	002022 / 003318
Instrument Date	May 29, 2019
Transaction Type	Transfer
Record Updated	Jun 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$180.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	222 SHANE DR MT HOLLY NC 281209404, MT HOLLY, NC 28120-9404

Tax Assessment & Valuation

Source: Rutherford County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Rutherford County
Municipality	Spindale Town
Unified School District	Rutherford County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,334.00 (+58.81%)	$117,700 (-) Land $35,200 Building $82,500	$117,700 (-) Land $35,200 Building $82,500
2023		$117,700 Land $35,200 Building $82,500	$117,700 Land $35,200 Building $82,500
2022	$840.00
2021	$840.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 18, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · above 78% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BROAD RIVER WATER AUTHORITY serves 19,136 people · EPA ID NC0181035
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Vyve Broadband Cable	2,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Spectrum.

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